Direct support for holistic workforce well-being
That's Guardian supplemental health benefits. With accident, cancer, critical illness, and hospital indemnity insurance to help address all facets of employee wellness — mind, body, and wallet®.
Mind
Ease stress and worry around paying for care
Body
Provide proactive and preventive support, including benefits for BRCA1/BRCA2 gene mutation1 and certain health screenings
Wallet
Receive a direct payment following an injury, hospitalization, or illness diagnosis to help offset care-related and medical insurance costs
Accident insurance
Includes a 25% benefit increase for a child organized sports injury.1
Cancer insurance
Includes a payment to help cover a vast number of services related to diagnosis, procedures, and treatments, possibly experimental treatments.
Critical illness insurance
Includes expanded coverage and earlier payouts at earlier stages of certain conditions.2
Hospital indemnity insurance
Includes a benefit payment for maternity claims at 36 weeks, newborn nursery care benefit after baby is born, and inpatient treatment for mental health and substance abuse. Caregiving and fertility health and family-building support are also embedded.
Easy, simplified service and administration
Comprehensive Electronic Data Interchange (EDI) and real-time API connections to leading ben admin platforms to save time and improve accuracy. Plus, one place to manage it all.
Guided enrollment that informs and empowers
We’ll work with you to ensure your employees make informed choices based on their needs and get the most value from their benefits.
Variety and reliability, all in one place
We can help you offer all your supplemental health benefits. Plus, when you also offer Guardian Group Short Term Disability and/or paid leave, your employees can take advantage of our one-claim experience.4
1 claim for all
Seamless benefits thanks to an integrated claims process
1 Guardian is proud to be the first to offer employees coverage for preventive measures taken as a result of having a BRCA1 or BRCA2 genetic mutation with its group critical illness insurance product. Not available on other products.
2 The child must be insured by the plan on the date the accident occurred and must be 18 years of age or younger; proof of registration required at time of claim.
3 Earlier payouts at earlier stages of conditions like Alzheimer’s, multiple sclerosis, and Parkinson's disease.
4 Employees initiate a short-term disability, paid family leave, or a state-mandated disability claim, and we automatically check for eligibility across all supplemental health coverages, no extra phone calls or paperwork required.
Some features are highlighted for illustrative purposes only. Please refer to your plan for benefit details and terms.
Guardian’s Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.